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Thank you both for the additional information. I appreciate it.
Anyone know which one Discover uses when they report every month?
Discover reports a Fico 08 Classic score (300 to 850) based on data in your TransUnion credit report.
As I'm sure others have said it depends on which FICO model they are using. If one is using FICO 4 and one is using FICO 8 then the scores will almost certainly be different. You want to pay more attention to your FICO 8 scores because IIRC at this point in time it's the most widely used score for credit decisions.
Also if two CC's are using the same FICO score and they are different it is more than likely because they are pulled at different times during the month. For instance, say one card pulls your score prior to your due dates on your CC's and you're at 80% utilization. They you pay your cards down to 10% before the statements cut. Because of this you're going to see your scores rise. Then CC #2 pulls the score after your statement cuts and the CC's report to the bureaus to reflect your changes.
There will definitely be a difference in the scores even though they pull the same score, from the same model, and even in the SAME month.